AlmostZero vs Monacker

AlmostZero is a personal finance app that helps you manage debt, track spending, and reach your savings goals. Credit cards, student loans, mortgages, auto loans — bring all your debts together in one app and get a clear picture of your financial situation. Struggling to plan repayments, spending more than you'd like, or finding it hard to save consistently? AlmostZero is designed to help you organize your money and stay on track without the stress. With visual progress indicators and practical repayment strategies, you can see exactly where you stand and how to move forward. 【Key Features】 ▸ Debt & Loan Management Track credit cards, personal loans, mortgages, auto loans, and student loans all in one place. The app automatically calculates accrued interest, remaining term, and estimated payoff date, so you can see the status of every debt at a glance. Repayment frequency is fully customizable — weekly, biweekly, monthly, quarterly, and more, matched to your income cycle. Clear progress charts show you how far you've come and help you stay motivated. Two proven repayment strategies are supported: the snowball method (pay off the smallest debts first) and the avalanche method (pay off the highest-interest debts first). Choose the strategy that fits your situation best. ▸ Expense Tracking Log your daily expenses and they're automatically organized by category. View spending by merchant or category to understand exactly where your money is going. Analyze spending trends by day, week, month, or year to identify your habits. Set a budget and receive a notification when you're approaching your limit. ▸ Savings Goals Create multiple savings goals with individual target amounts and deadlines. The app automatically calculates the savings pace you need and displays your progress clearly. A progress bar helps you stay on track. ▸ Link to Assets Connect your debts to assets like property or vehicles. By viewing debts and assets together, you get a more complete picture of your overall financial position. ▸ Tag Organization Use custom tags to organize your debts and expenses flexibly. View totals and statistics by tag to analyze your finances from different angles. ▸ Multiple Currencies All major world currencies are supported. Switch your display currency with a single tap — convenient for use abroad or managing finances across multiple currencies. ▸ Financial Education Access clear, approachable content covering debt management, savings tips, investing basics, and other financial topics. Build your financial knowledge right inside the app. ▸ Financial Calculator Simulate different repayment and savings plans with the built-in calculator to make more informed financial decisions. 【Privacy & Security】 Protecting your financial data is our top priority. AlmostZero supports biometric lock with Face ID and Touch ID. All data is stored on your device and synced securely through iCloud. No account creation or bank linking required. Your data is never collected or shared with third parties. 【Data Management】 iCloud sync automatically shares your data between your iPhone and iPad. Import and export in JSON format makes backup and data transfer simple. 【What Sets AlmostZero Apart】 • Built for debt reduction — packed with features to help you pay off what you owe • Simple and intuitive — powerful yet easy to use • Strong privacy — your data stays on your device and in iCloud only • Regular updates — new features and improvements added continuously Start today with AlmostZero and bring more clarity to your finances. Reduce your debt step by step and work toward your savings goals.

Enjoy tracking your income and expenses with a simple, quick, liquid glass interface. Enter transactions in less than 5 seconds with a highly optimized transaction entry that shows you similar previous transactions to quickly autofill your transaction description and category Features: * 100% free forever. Tips are optional and always appreciated :) * No ads, no popups, no prompts to review the app, no data collection, no analytics. I created this app for myself and I don't enjoy being bothered so I'm not going to bother anyone else. If I ever stop working on this app, I will open source it * Shortcuts support so you can automatically create transactions from financial notifications * Export all your transactions to csv format in less than 2 seconds. You own your data * Import your existing transactions in csv format. All that's necessary is 5 columns: Description, Category, Amount, Type (Expense/Income), and Date (ISO 8601 format). You can optionally add Color and Icon columns to further customize your categories * All your transactions are synced to your iCloud. With CloudKit integration, all your transactions are safe even if you break your phone * Customize your categories to your liking. If the in-app customization is not sufficient, you can export the colors and icons in your csv file, and import it back in to see your changes. The icons are SF Symbols * Enter transactions fast, seriously fast * Instant app loading How this app came to be: I've been manually tracking my income and expenses for 10 years now. I've previously manually tracked in a spreadsheet and tried other apps, but I've consistently had gripes with them. I have always wanted to make my dream money tracking app, and the appeal of liquid glass finally pushed me to learn iOS app development to create this. I have tried for a few years to build this but always gave up because the mountain of learning app development was extremely daunting and I kept getting stuck. Now I'm just happy that I have something I can give to the world that I will use myself, and I hope others can use it too. How I recommend people track their money: * The best time to start tracking all your transactions was yesterday * Ensure you have notifications every time you get paid, and for every single transaction that occurs on any of your credit/debit cards and bank accounts * Every time a transaction occurs, track it as soon as possible, via Shortcuts automations if possible. * Feel every monetary transaction so you don't get complacent with money FAQ: Q: How should I categorize an expense that may fit multiple categories? A: Personally I'll just group things into whatever fits best, so I'll generally use "Groceries" for a Costco run, but if I'm buying more decorations or something I may log it as "Household". You can always manually enter multiple transactions for something you pay for. Things even out Q: Can you add xyz way to visualize the data? A: I made the csv export as painless as possible so people can use other better tools for visualizing their transactions. Q: How can I support you? A: Tip Jar :) Email: alexpyginapps@gmail.com